Well, I've been asked countless times, "which is the better option, term or whole life insurance"  and I have always given the response, "it depends". I know this is can be a bit exasperating to people looking for a simple, A or B type answer, but the truth is never easy to discover. And thus, I invite you to  more closely examine the reasons you are seeking insurance to determine what type of insurance is best suited to your circumstances. Let us begin with the virtues of term insurance. Benefit #1, Price. Dollar for dollar, you can't beat term for the peace of mind. Get Term Life Insurance Quotes here Typically, you need insurance as income replacement in the event of an untimely passing, so, why buy a product that costs more and is excessive relative to the need? On the flip side, you have to be aware of what happens after the term exprires. You may find yourself uninsurable in the future, no matter how much money your practically willing to spend on insurance.

This is a real tragedy in San Diego today. The home I grew up in is less than 2 miles from the flames